The U.S. Dept. of Agriculture's Rural Utilities Service (RUS) has used its loan programs to successfully finance the development of electricity & telecommunications infrastructure in rural areas for many years. This report focuses on RUS' program operations. Specifically, it identifies ways to: (1) make electricity & telecommunications loan programs more effective & less costly for the government, & (2) decrease RUS' vulnerability to loan losses. It also compiles loan information on commercial lenders that have a significant level of lending for rural electricity & telecommunications purposes.Maxon, Ronald E., Jr. is the author of 'Rural Utilities Service Opportunities to Operate Electricity and Telecommunications Loan Programs More Effectively' with ISBN 9780788183126 and ISBN 0788183125.